Calculate your House Rent Allowance exemption under Section 10(13A) & Rule 2A. Metro vs non-metro cities. Instant results.
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✅ HRA Exemption (Tax-Free)₹0.00
Taxable HRA₹0.00
HRA Received₹0.00
Monthly Exemption₹0.00
Tax Saved (at 30% slab)₹0.00
Exemption = MINIMUM of these 3 conditions
①Actual HRA Received₹0
②Rent Paid − 10% of (Basic + DA)₹0
③50% of (Basic + DA) — Metro₹0
=HRA Exemption₹0
HRA Calculator — FAQ
Who can claim HRA exemption?
Any salaried employee who receives HRA as part of their salary and actually pays rent for residential accommodation can claim HRA exemption u/s 10(13A). Self-employed individuals cannot claim HRA but can claim rent deduction u/s 80GG (up to ₹5,000/month).
Which cities are considered metro for HRA?
Metro cities for HRA purposes: Delhi, Mumbai, Kolkata, and Chennai only. For these cities, the exemption limit is 50% of Basic+DA. For all other cities (including Bangalore, Hyderabad, Pune, Ahmedabad), the limit is 40% of Basic+DA.
Can I claim HRA if I own a house?
Yes, but only if you live in a rented house in a different city than your owned property. If you live in your own house and pay rent to a spouse/parent, the claim may be disallowed by the IT department.
What if rent is paid to a family member?
Rent paid to parents is allowed if they declare it as income in their ITR. Rent paid to spouse is generally not allowed. You need a valid rent agreement and rent receipts as proof.
Is this HRA calculator free?
Yes! Completely free. For bank reconciliation & GST automation, try ReconcileAI — 2 free reconciliations every month.
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